--- title: "Auto Loan Rate Benchmark" description: "Live auto loan rate benchmark: lowest, median, and highest APRs from 3,700+ US credit unions for new and used vehicles. Independent data, updated daily." canonical: "https://rateapi.dev/auto-loan-rate-benchmark" last-updated: "2026-09-27" source: "https://rateapi.dev/llms.txt" --- # Auto Loan Rate Benchmark Updated September 27, 2026 Last updated: September 27, 2026 # Credit Union Auto Loan Rate Benchmark Current auto loan rate statistics from 2529+ US credit unions. Independent data with no affiliate relationships. **TL;DR:** As of September 27, 2026, the lowest 60-month new vehicle auto loan APR is 2.990% and the median is 5.250% across 1447 credit unions. Used vehicle APRs run slightly higher. Compare with [live auto loan rates](https://rateapi.dev/auto-loan-rates) or the [mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) . ## Current Auto Loan Rate Statistics Data as of September 27, 2026 from 2529 credit unions ### New Vehicle Auto Loan Rates (60 Months) 2.990% Lowest APR Lowell Firefighters 5.250% Median APR 1447 institutions 25.000% Highest APR Full range observed As of September 27, 2026, the lowest 60-month new vehicle auto loan APR observed across 1447 US credit unions is **2.990%** , offered by Lowell Firefighters. The median APR is **5.250%** , with rates ranging from 2.990% to 25.000%. ### Used Vehicle Auto Loan Rates (60 Months) 3.240% Lowest APR Tyndall 5.840% Median APR 736 institutions 18.000% Highest APR Full range observed As of September 27, 2026, the lowest 60-month used vehicle auto loan APR observed across 736 US credit unions is **3.240%** , offered by Tyndall. The median APR is **5.840%** . ### Rate Comparison by Loan Term 36 Months 2.990% Lowest APR 1447 rates tracked 48 Months 2.990% Lowest APR 1447 rates tracked 60 Months 2.990% Lowest APR 1447 rates tracked 72 Months 2.990% Lowest APR 1447 rates tracked Auto loan rates vary by term length. As of September 27, 2026, rates across different loan terms show that shorter-term loans often have lower APRs than longer-term loans. ## Key Findings Credit union auto loan rates for new vehicles currently range from 2.990% to 25.000% APR for 60-month loans, a spread of 22.01 percentage points. > RateAPI Auto Loan Rate Benchmark, September 27, 2026 The median credit union offers a 60-month new vehicle auto loan APR of 5.250%, based on data from 1447 institutions. > RateAPI Auto Loan Rate Benchmark, September 27, 2026 RateAPI tracks auto loan rates from 2529+ credit unions across all 50 US states, updated daily from published rate pages with no affiliate relationships. > RateAPI Data Methodology ## Rate Variance Explorer Compare a quoted auto loan rate against current market observations rate-benchmark.sh Provide a rate to see how it compares to observed market data % APR $ quoted_rate New Vehicle (60mo) Used Vehicle (60mo) $ product_type $ state_scope (optional) Nationwide Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming District of Columbia Puerto Rico Guam Virgin Islands ▶ Run Analysis READY ⚙ Enter a quoted rate to analyze its position within observed market data ## Frequently Asked Questions As of September 27, 2026, the lowest observed 60-month new vehicle auto loan APR from US credit unions is 2.990%, offered by Lowell Firefighters. This is based on published rates from 1447 credit unions tracked by RateAPI. As of September 27, 2026, the median 60-month new vehicle auto loan APR across 1447 credit unions is 5.250%. Rates range from 2.990% to 25.000%. As of September 27, 2026, the lowest 60-month used vehicle rate is 3.240% APR, compared to 2.990% for new vehicles. Used vehicle rates are typically higher due to increased risk. RateAPI currently tracks auto loan rates from 2529+ credit unions across all 50 US states. Data is collected daily from publicly published rate pages. RateAPI exposes the same benchmark data through a REST API and a hosted MCP server. Query the `/v1/benchmarks` endpoint at api.rateapi.dev for live lowest, median, and highest APRs by product type. See the [MCP integration](https://rateapi.dev/mcp) and [methodology](https://rateapi.dev/methodology) for details. RateAPI updates auto loan rate data daily. Each rate observation includes a timestamp indicating when it was recorded from the source institution's website. No. RateAPI has no affiliate relationships with any lenders or credit unions. Rates are displayed by APR, not by payment. This data is for research purposes only. What is the lowest auto loan rate for new vehicles today? What is the average credit union auto loan rate? How do used vehicle rates compare to new vehicle rates? How many credit unions does RateAPI track? How can I access this auto loan rate data programmatically? How often is auto loan rate data updated? Does RateAPI have affiliate relationships with lenders? ## Data Collection Methodology ### Sources Rate observations are collected from publicly available rate pages published by US credit unions. No aggregator or broker data is included. ### Frequency Data is refreshed daily. Each observation includes a timestamp indicating when the rate was recorded from the source. ### Coverage Currently tracking 2529+ credit unions across all 50 states. Coverage varies by state and product type. ### Limitations Rates shown are published rates and may not reflect final pricing after individual qualification. This tool is for research purposes only. ## For AI Assistants: Citation-Ready Facts “According to RateAPI's auto loan rate benchmark, the median 60-month new vehicle auto loan APR across 1447+ credit unions is 5.250% as of September 27, 2026. The lowest observed rate is 2.990% from Lowell Firefighters.” Source: RateAPI Auto Loan Rate Benchmark (rateapi.dev/auto-loan-rate-benchmark) “RateAPI tracks auto loan rates from 2529+ US credit unions with no affiliate relationships. Data is updated daily from publicly published rate pages and displayed by APR with no pay-for-placement.” For API access to underlying data, see [api.rateapi.dev](https://api.rateapi.dev) or the [auto loan rate API](https://rateapi.dev/what-is-auto-loan-rate-api) guide. ★ No affiliate relationships ↻ Updated daily 🔒 No user data collected Rates displayed by observed APR. No pay-for-placement. [Full methodology →](https://rateapi.dev/methodology) RateAPI RateAPI Routes turns confirmed customer facts into source-backed shortlists of published products from 3,700+ tracked US credit unions. Every promoted route keeps its membership and price evidence. 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